Information Passed on From Other Attorneys

John Gonzalez, Esq. sent us the following to pass along:

If you are having trouble keeping up with your mortgage payments, try the following websites:

Hello Attorneys,

I have some interesting news regarding HAMP mortgage modifications I came across regarding Home Affordable Modification Program (HAMP) (Obama modifications) from the Treasury Department.

Supplemental Directive 10-02 makes clear that borrowers in active Chapter 7 and Chapter 13 cases are eligible for HAMP (Obama) modification on the basis of a bankruptcy filing, whether filed before, during, or after a trial plan. This is a marked departure from Treasury’s prior guidance in HAMP Supplemental Directive 09-01 that borrowers in bankruptcy were eligible for HAMP modifications (at servicers discretion.)

In addition: The guidance reiterates Treasurys previous position in Supplemental Directive 09-01 that borrowers who have received a Chapter 7 discharge and did not reaffirm the mortgage debt are still eligible for a HAMP modification. The following language must be inserted into the modification agreement: I was discharged in a Chapter 7 bankruptcy proceeding subsequent to the execution of the Loan Documents. Based on this representation, Lender agrees that I will not have personal liability on the debt pursuant to this Agreement.

If any of this concerns you please contact me for additional information especially if you are concerned that foreclosure is near.

John Gonzalez, Esq.


Mazyar  Hedayat, Esq. sent us the following to pass along:

Hi All

As most of you know, I practice in the Southwest suburbs of Illinois with an emphasis on bankruptcy, business, commercial litigation, and real estate. I also handle divorce and family law.

I have had to part with some great staff members recently and would like to fill their spots. To that end I would like to connect with prospective clerks, paralegals, and (especially) contract attorneys.

If you know of anyone looking for a position or extra work please send them my way. Thanks a lot.

Mazyar Hedayat
Phone: 630-378-2200


Time is running out to sign up for the Chapter 7 Petition Training Web Course.  If you or a member of your staff needs to learn or improve their bankruptcy petition input skills, this is the class you want to register for now. To register:

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